Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$509,320Cash toward the purchase price.
Closing costs + prepaids$28,875Not just lender fees.
Before credits & paid funds$538,194The complete starting cash picture.
Estimated remaining funds due at closing
$538,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,319.78
Your down payment$509,319.78
Closing costs + prepaids$28,874.56
Total buyer cash needed$538,194.34
Remaining funds due$538,194.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$13,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,448.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$891.00
Prepaid interest, first (21 days)$3,327.16
Fees + prepaids$28,874.56
Your down payment is the seller’s equity. You take over the $889,680 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $538,194.34 is due at closing. Uses and sources reconcile at $1,427,874.56 each. Not a Closing Disclosure.